What is the present value of the following cash flow stream at a rate of 12.0%? $9, 699 $10, 210 $10, 747 $11, 284 $11, 849 At a rate of 6.5%, what is the future value of the following cash flow stream? $526.01 $553.69 $582.83 $613.51 $645.80 Your girlfriend just won the Florida lottery. She has the choice of $15,000,000 today or a 20-year annuity of $1, 050,000, with the first payment coming one year from today. What rate of return is built into the annuity? 3.44% 3.79% 4.17% 4.58% 5.04%